How to open the certificate of difficulty in overdue credit card

Just go to the local community or village committee to open it. You can download a template of difficulty certificate on the Internet and fill it out by yourself, and ask them to help stamp it. You can also go directly to the community neighborhood committee to let them open it. It's not the first time for them to open it, and they will know how to open it.

The purpose of issuing a certificate of difficulty is to prove that the cardholder is a very low-income group and does not have enough money to repay at present. The certificate of difficulty should include your annual income, monthly income, family situation, reasons and degree of difficulty, etc. Banks generally need this certificate and there will be a standard. It is recommended to contact the bank for confirmation.

Article 7 of China's Measures for the Supervision and Administration of Credit Card Business of Commercial Banks clearly stipulates that under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the cardholder's repayment ability and the cardholder still has the willingness to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.

when you apply for personalized repayment, you should first negotiate with the front desk department of the bank, sign a personalized repayment agreement according to the different regulations and authorities of each bank and the actual family business income of the customer, and then the front desk department will report it to the leader for approval and enter it into the system for registration.

operation: go to the local neighborhood Committee or community and issue a poverty certificate stating your own situation.

the proof of difficulty requires the official seal of the people's government of the township (town) where the family is located, or the official seal of the higher-level competent department. Among them, the effective official seals are: township (town) people's government, county civil affairs bureau and civil affairs bureau. Urban residents can be the official seals of neighborhood committees, sub-district offices and communities.

after the credit card is overdue, we must pay attention to these three points, and the effect will be better by combining the above treatment methods:

First, pay back the full amount of the arrears

Because you owe money, you must pay back the money first. Some people will break the jar and think that they are overdue, so it is not acceptable to not pay back the money. In fact, the bank hopes that you can take the initiative to repay. Making up the arrears in full can reduce the impact of overdue. If there are special circumstances, the bank will consider it as appropriate, and perhaps there will be no overdue records on personal credit information.

Second, the phone of the bank must be answered

After the credit card is overdue, many people are very scared. When they see the phone call from the bank, they will subconsciously refuse to answer the phone. In fact, this is wrong. Maybe the bank wants to remind you to pay back or ask about your situation. If you don't answer the phone, the bank will think that you are overdue on purpose. It is still important to treat you as a malicious overdraft. Everyone must remember that.

Third, continue to use the card and repay it on time

After the credit card is overdue, some people just want to be clever and say that they can cancel it. But do you think the bank will cancel your card if you don't pay back the money? And if there are overdue records on personal credit information, it is necessary to keep them for five years. During this time, you need a health card to wash away the stains. Good card use behavior will slowly cover up your overdue records.

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How to open the proof of non-malicious credit card overdue

Credit card overdue will affect personal credit information. If the credit information record shows that the overdue situation is continuous, it will be very difficult to apply for loans or credit cards in the future, so you must not overdue easily. Of course, if you are overdue in bad faith, you can ask the bank to issue a certificate of bad faith, and you can apply for a loan with this evidence.

Credit report is an important basis for evaluating personal credit. People usually refer to overdue records of loans and credit cards as bad credit records. The credit report will truthfully disclose the overdue situation of individuals in the past five years. If the issuing bank issues a non-malicious overdue certificate, the overdue record specified by the certificate can be ignored.

1. What circumstances are non-malicious overdue

(1) A third party acts as an agent, but the third party fails to repay the loan on time as agreed in the contract, resulting in overdue. For example, automobile dealers handle automobile consumption loan business, mortgage business handled by real estate developers, repayment by agents and other third-party agents, etc., and the repayment is overdue due to third-party reasons, such as diverting the money for other purposes.

(2) After buying a house with a personal loan, the developer returned the personal down payment for various reasons, but the loan was not settled in time, which caused the overdue.

(3) The individual sells the mortgaged house, but fails to refinance it, and the overdue caused by the buyer's failure to repay the loan on time is still recorded in his own name.

(4) The unit fails to pay the provident fund in time, resulting in the failure to repay the personal provident fund loan in time.

in case of overdue in the above four cases, if the bank does not agree to issue a non-malicious overdue certificate, it can report to the party that caused bad credit. If the judicial department decides that it is not its own responsibility, it may require the relevant financial department to modify the credit information.

(5) Because the individual did not understand the provisions of the repayment date of the bank, or the bank staff did not clearly inform the repayment date, or the bank did not inform the individual when the expected annualized interest rate of the loan was adjusted or the repayment date was changed, the individual failed to repay the loan in time as agreed in the contract, resulting in overdue records in the personal credit report.

In the above situation, it is usually stipulated in the loan contract that the bank will not notify the expected annualized interest rate adjustment, so such overdue is still my responsibility, and it is difficult to issue a non-malicious overdue certificate.

(6) the credit card has not been received or the credit card has not been activated, but the annual fee has been incurred, resulting in overdue.

In the above case, it depends on the credit card contract. If it is stated in the contract that there will be an annual fee if it is not activated, it will be my responsibility if it is overdue. Repayment should be made in time before explaining the situation to the bank.

(7) The overdue record is caused by the failure to repay the goods on time due to disputes with the merchants or banks that sell the goods.

second, how to open the non-malicious overdue certificate

It should be noted that for banks, the non-malicious overdue certificate will only be issued if there is evidence that the overdue repayment is caused by the bank, that is to say, it is difficult to issue the non-malicious overdue certificate, and it cannot be issued under normal circumstances.

if you can produce relevant evidence to prove that it was not intentional, you can issue a non-malicious certificate.

the evidence is: your own business trip certificate, or a travel ticket with a name, a foreign accommodation form, a travel agency certificate, or a certificate of changing your phone.

in short, any certificate that can prove that you did not cause the overdue on purpose will do.

I wrote a model essay for everyone. Please take it!

To the bank:

Now, in the process of applying for a house loan from your bank, due to the overdue repayment of the loan in the process of using the credit card before, I hereby explain the situation to your bank.

I hold an ordinary credit card of your bank, but I changed my mobile phone number because of my job transfer to other places, and I didn't receive the reminder of interest repayment from the bank. In addition, I didn't know much about the relevant regulations of credit cards, which led to my failure to repay the loan on a monthly basis in time. It was not until I went to the bank to handle the mortgage business that I was told that there was an overdue situation.

as soon as I receive the overdue notice, I will immediately repay the previous overdue arrears together with the principal. I feel very sorry for the overdue repayment due to personal negligence, but I really didn't default maliciously. Please forgive me.

I promise to strictly keep my word in the later loan, repay it on time, and strictly follow your loan repayment plan. I promise that there will be no overdue repayment.

Applicant:

MM DD YY

III. Is the non-malicious overdue certificate useful

First of all, whether it is "non-malicious" or not is not up to the individual, and the bank will strictly examine it according to the overdue records to determine whether to issue the non-malicious overdue certificate. For example, if the amount owed is high, the overdue time is long, and the overdue times are many, the bank will not issue relevant certificates without reasonable reasons.

Secondly, even if the loan applicant holds a non-malicious overdue certificate, it may not work. Non-malicious overdue certificate is not a panacea, it can not completely prove the "innocence" of personal credit, and can not cover up the fact of overdue.

even if the borrower can issue a non-malicious overdue certificate, the lending bank will make a comprehensive evaluation based on the overdue situation and the borrower's repayment ability. Different banks have different degrees of recognition of non-malicious overdue certificates issued by other banks.

Can ICBC's credit card overdue certificate be issued at that time? What should be paid attention to when issuing overdue certificates?

Lending banks or card-issuing banks issue non-malicious overdue certificates to prove that the specified overdue records can be ignored. Individuals can also object to the overdue records caused by non-subjective reasons in the credit report.

The non-malicious overdue certificate of the starting bank must meet the following conditions:

The business is entrusted by a third party, but the third party fails to repay the loan on time as agreed in the contract, resulting in overdue. For example, automobile dealers handle automobile consumption loan business, mortgage business handled by real estate developers, repayment by agents and other third-party agents, etc., and the repayment is overdue due to third-party reasons, such as diverting the money for other purposes.

after buying a house with a personal loan, the developer returned the personal down payment due to various reasons, but the loan was not settled in time, which caused the overdue.

an individual sells the mortgaged house, but fails to refinance it, and the overdue caused by the buyer's failure to repay on time is still recorded in his own name.

the unit fails to pay the provident fund in time, resulting in the failure to repay the personal provident fund loan in time.

in case of overdue in the above four cases, if the bank does not agree to issue a non-malicious overdue certificate, it can report to the party that caused bad credit. If the judicial department decides that it is not its own responsibility, it may require the relevant financial department to modify the credit information.

because the individual did not understand the provisions of the repayment date of the bank, or the bank staff did not clearly inform the repayment date, or the bank did not inform the individual when the loan interest rate was adjusted or the repayment date was changed, the individual failed to repay the loan in time as agreed in the contract, resulting in overdue records in the personal credit report. Under normal circumstances, the loan contract will stipulate that the bank will not notify the interest rate adjustment, so such overdue is still my responsibility, and it is difficult to issue a non-malicious overdue certificate.

This concludes the introduction of credit card overdue certificate and what it is. Did you find the information you need from it?